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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $488,260 | $110,286+342.7% | $96,569+405.6% | $139,427+250.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 20.46% | 26.39%-5.9pp | 25.87%-5.4pp | 373.27%-352.8pp |
| Employer contribution / active EE | $4,997 | $3,619+38.1% | $2,965+68.5% | $4,752+5.2% |
| Participant deferral / active EE | $3,068 | $5,546-44.7% | $4,851-36.7% | $6,711-54.3% |
| Admin fee / account holder | $8,408 | $11,592-27.5% | $8,251+1.9% | $11,404-26.3% |